Debt Help


Are you looking for ways to get out of debt? Well, I think you have come to the right place. These articles focus on debt elimination techniques, getting out of credit card debt, minimizing debt damage, and other ways to get out of debt.

7 steps to get out of debt
The 7 steps that I am going to take you through are things that my wife and I have done to pay down our debts. Each article is fairly long, so you can feel free to bookmark it and come back later or you can download it as an ebook. If you are serious about getting out of debt, I recommend that you read each article, even though the first two are a bit less practical than the last five. I believe that they the first two include the keys to successfully getting out of debt.
The 7 Steps to getting out of debt

Getting out of Debt (Step 1) – Realize it is not about you
Getting out of Debt (Step 2) – Open your mind
Getting out of Debt (Step 3) – Create a balance sheet
Getting out of Debt (Step 4) – Quit over-spending
Getting out of Debt (Step 5) – 15 ways to cut expenses
Getting out of Debt (Step 6) – Make sacrifices
Getting out of Debt (Step 7) – Snowball your debt

If you go through these articles and just do some of the stuff mentioned, you are going to be in much better financial shape than you were before. But, I recommend that you sit down with each article and really spend some time with it. The last five articles are going to require some actions on your part. So, spend a couple weeks and make getting out of debt your new hobby and work hard at it! You will be rewarded for your efforts!

Other resources to help you get out of debt

I have written quite a bit about debt on this site, since I have been trying to break my way out of it myself. These are a few other articles that might be worth reading…

Why you should get out of debt
Debt Snowball Software
How to negotiate with credit card companies
The Bible and Debt
Bankruptcy and the Bible
Reducing credit card interest rates
How to control spending
Learn how to say NO to yourself!
How to make a budget
Christians and Debt
6 Tips for a debt free Christmas
Money doesn’t solve money problems
How to quit spending more than you make
29 tips on getting out of debt from the readers
If you want to get out of debt you need Gazelle Intensity!
A good debt reduction strategy
My thoughts about credit card use
Money Mistake: Not paying attention to interest rates!

and if you still need some more articles about getting out of debt you can scroll down for more…

Remember, while I think you should read as much as you can to become informed, it isn’t about how much you learn, but how much you apply. So read up, learn how to do it, and get after it!!
















Why Money Doesn’t Solve Money Problems

why money doesn't solve money problems

I mean if you were making what your boss is making, it will not fix your financial squeeze. There is a famous principle that expenses rise to meet income, so if you are having a hard time paying your bills or making a dent in your mountain of debt money is NOT your answer.

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What Are Modern Day Loan Sharks?

Payday Loan

With the advent of the credit card and lines of credit at local banks, loan sharks have lost popularity in the last 50 years, but they’re not extinct! We’ll look at how loan sharks have evolved, but first let’s take a look at the history of loan sharks and the practice of usury.

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4 Keys to Break Free from Your Debt

4 keys to paying off debt

Getting out of debt can be tough, but these principles can help you get through it much easier.

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How to Set Your Financial Priorities and Accomplish More

Money

For the longest time priorities plagued our ability to make forward progress on our journey to true financial freedom. For example, we were doing a little bit of everything in terms of working on financial goals. We were paying on car debt, student loan debt, saving some on the side for emergencies and contributing to […]

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10 Credit Card Traps Designed to Trip You Up!

10 credit card traps to watch for

An article on Yahoo Finance referenced seven credit card traps to watch out for. It was a good article outlining a few of the traps out there with credit cards. Personally, I find credit cards to be extremely helpful as a business owner, and in our personal finances, but that comes only after a toilet-cleaning campaign wiped out $10,000 of credit card debt and after much-needed self control was applied to my use of credit.

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My Checklist To Financial Freedom

Download this free personal financial checklist here

I love checklists. Especially when I want to make progress in a particular area but don’t exactly know what steps to take. This is a personal financial checklist that covers many of the steps I have taken over last decade that have helped me move from being a financial mess to having a little bit of an idea of what’s going on.

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Is an AARP Membership Really Worth It?

is an AARP membership worth it? A look at the benefits and why you should just admit that you are now 50 and enjoy the perks!

When my husband started getting membership applications from AARP around his 49th birthday, he was the laughing stock of the family. “Ha, ha, dad,” the kids would jeer. “You’re officially old.” Not wanting to admit his advancing years, he threw the offers in the trash . . . .

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Free Debt Snowball Calculator and Spreadsheet

I just was making some updates to our budgeting spreadsheets page where we have a bunch of free Excel and Google Doc spreadsheets available.  While I was working on it and getting a few new ones added to the page I stumbled upon this Debt snowball calculator for Excel and it is really cool. As […]

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5 Student Loan Forgiveness Programs for Nurses, Teachers, Military, and Others

5 student loan forgiveness programs

Lately I have been talking to a lot of folks who are heavily burdened by their student loan debts – some of whom have over $100,000 in student loan debt. And while I believe, according to scripture, we are to pay back our debts, if they are forgiven by the lender then we are off […]

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What Is A Good Credit Score? And a lot more

Credit Score

Jeff Rose is a Certified Financial Planner and Iraqi Combat Veteran.  He is also the author of Soldier of Finance: Take Charge of Your Money and Invest in Your Future.  A lot has changed with credit scores in the last few years. Both the credit repositories, and the companies who use them, are redefining credit scores […]

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When to Reach Out For Financial Help

FaithWorks Financial

If you’ve been following ChristianPF for any length of time you know that we are huge advocates of paying down your debt the old fashioned way, and we believe that as hard as it is, it is worth the fight. Running this site for over 6 years now, I’ve interacted with thousands of readers, some […]

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Get Out Of Debt With The Debt Snowball Method

getting-started-logo-225

Creating a debt snowball is my preferred method of getting out of debt. The strength of using this method is that it focuses on the behavioral side of finance rather than the mathematical. Since we are not robots that always do exactly what we know we should, I recommend this method for most people.

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Why I Think You Should Set A Goal

Why you should set a goal

Have you ever wondered how setting a goal and following God’s will can co-exist? After all, what is the point setting a goal that isn’t what God is wanting for us?

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